Fourfold Wealth, Huntington Beach, CA (2026)

09/09/2026

📈 Investment Planning Should Start With You — Not the Investment

When people think about investing, the conversation often starts with:

💰 Which fund should I buy?
📊 Which ETF performed best?
📈 Should I invest more aggressively?

But I believe the better place to start is with you.

🎯 What are your goals?
⏳ What is your time horizon?
💵 Will you eventually need income from the portfolio?
⚖️ How much risk are you comfortable taking — and how much risk can your financial plan actually afford?

In this video, I also explain an important part of how we work on the investment side.

I’m a licensed Investment Adviser Representative, providing investment advisory services through AS Wealth Management, an SEC-registered investment advisory firm. When providing investment advisory services through the RIA, the relationship operates under a fiduciary standard — including duties of care and loyalty and an obligation to act in the client’s best interest.

We also look at why:

🔹 Passive and tactical approaches can serve different purposes
🔹 A portfolio should be monitored as life and markets change
🔹 Accumulating money and taking retirement income are different planning challenges
🔹 Risk tolerance and risk capacity are not always the same

🌱 At Fourfold Wealth, we believe the investment strategy should fit your financial plan — not the other way around.

Your goals. Your life. Your financial plan.

🌱 Fourfold Wealth — Planning with Purpose.

🌐 fourfoldwealth.com

For educational and informational purposes only. Investing involves risk, including the possible loss of principal.

09/08/2026

✨ A Little About Me — and Why I Created Fourfold Wealth

Hi, I’m Michael Tran, founder and financial advisor at Fourfold Wealth. 👋

Before entering financial services, I spent more than 25 years as a software engineer and also built and managed my own consulting business.

That experience taught me something important: when you’re working with a complex system, you can’t look at just one piece and assume everything else will work. You have to understand how all the pieces connect.

💡 I believe your financial life works the same way.

Your investments, retirement, taxes, insurance, family goals, business interests, and legacy decisions can all affect one another.

You may already have many of the right financial pieces — but the bigger question is:

🧩 Are those pieces actually working together?

That’s one of the main reasons I created Fourfold Wealth.

Financial planning is the foundation, and technology can help us organize information, model scenarios, analyze risks, and compare choices. But technology alone isn’t the service.

🤝 The real work begins with understanding you.

What are you trying to accomplish?
What concerns you?
What do you already have?
What risks are appropriate for your situation?
And what options are available?

This is the first part of a series where I’ll share more about how we approach financial planning, insurance, investments, retirement, financial education, and the purpose behind Fourfold Wealth.

My goal is simple: to help people understand their options before making important financial decisions.

🌱 Fourfold Wealth — Planning with Purpose.

09/02/2026

🌳 **Your Legacy Is More Than What You Leave Behind**
Building wealth is important.
But eventually, an equally important question becomes:
**What do you want your wealth to make possible?**
Legacy planning can help connect the assets you’ve accumulated with the people, priorities, and values that matter most to you.
A thoughtful approach may include:
❤️ **DEFINE WHAT MATTERS**
Think about the family members, causes, and priorities you want your financial resources to support.
📋 **COORDINATE THE DETAILS**
Review beneficiaries, account ownership, insurance, and other financial arrangements so they align with your intentions.
🤝 **WORK WITH YOUR PROFESSIONALS**
Financial, tax, and estate planning are often more effective when your advisor, attorney, and tax professional understand the bigger picture.
🌳 **THINK ACROSS GENERATIONS**
Consider how your planning may support children, grandchildren, charitable goals, family businesses, and future generations.
At **Fourfold Wealth**, we believe legacy planning is not simply about transferring assets.
It’s about helping your financial resources reflect **what you value, who you care about, and what you hope to make possible for the future.**
✨ **Your wealth. Your values. Your legacy.**
🌱 **Fourfold Wealth — Planning with Purpose.**
🌐 **fourfoldwealth.com**

08/22/2026

🌱 WHY FOURFOLD WEALTH IS DIFFERENT

Financial planning should be about more than selling a product or opening an account.

At Fourfold Wealth, we believe it should begin with understanding your goals, your family, your priorities, and your complete financial picture.

Here are a few things that make our approach different:

🧩 Comprehensive Planning
We look at the bigger picture — investments, retirement, taxes, insurance, income, protection, and legacy — so the pieces can work together.

⚖️ Licensed to Work on Both Sides
Some financial professionals work only with investments. Others only with insurance. We are licensed to work on both sides of the financial landscape, so recommendations are not limited to only one side.

🎯 Planner-First Focus
We are advisors and planners first. Our focus is on understanding your goals and helping you make progress toward them.

🖥️ Advanced Planning Technology
We use professional planning software to connect your financial life, model different scenarios, and help you better understand potential choices and tradeoffs.

📚 Education Before Decisions
We believe clients should understand how a strategy works, its potential benefits, risks, costs, limitations, and alternatives before making a decision.

❤️ A Long-Term Relationship & Community With Purpose
We’re here for the long run — through life’s changes, milestones, and important decisions. We also want to build a community where families can connect, celebrate culture, give back, and support meaningful causes together.

Because to us, wealth is about more than money.

It can also be about family, relationships, generosity, community, culture, and legacy.

🧭 Planning first. Solutions second.
💬 Let’s start the conversation.

🌱 Fourfold Wealth — Planning with Purpose
🌐 fourfoldwealth.com
📞 888-996-8818

08/21/2026

🔄 **Your Financial Life Changes. Your Plan Should Too.**

A financial plan shouldn’t be something you create once, put on a shelf, and forget.

Life keeps moving — and your financial strategy may need to move with it.

💼 **CAREER & BUSINESS**
A new job, growing income, business opportunities, or changing benefits can create new financial decisions.

🏡 **FAMILY & LIFE**
Marriage, children, buying a home, education goals, and caring for loved ones can reshape your priorities.

🌅 **RETIREMENT**
As retirement gets closer, the focus may shift from accumulating assets to creating income, managing taxes, and protecting your lifestyle.

🌳 **LEGACY**
Over time, planning may increasingly involve family, estate considerations, charitable goals, and what you hope to leave for future generations.

That’s why thoughtful financial planning is an **ongoing process — not a one-time event.**

At **Fourfold Wealth**, we believe regular reviews and ongoing guidance can help keep your strategy aligned as your life, goals, markets, and circumstances evolve.

🧭 **The destination may change. The plan should be able to change with it.**

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

08/21/2026

🌳 **Your Legacy Is More Than What You Leave Behind**

Building wealth is important.

But eventually, an equally important question becomes:

**What do you want your wealth to make possible?**

Legacy planning can help connect the assets you’ve accumulated with the people, priorities, and values that matter most to you.

A thoughtful approach may include:

❤️ **DEFINE WHAT MATTERS**
Think about the family members, causes, and priorities you want your financial resources to support.

📋 **COORDINATE THE DETAILS**
Review beneficiaries, account ownership, insurance, and other financial arrangements so they align with your intentions.

🤝 **WORK WITH YOUR PROFESSIONALS**
Financial, tax, and estate planning are often more effective when your advisor, attorney, and tax professional understand the bigger picture.

🌳 **THINK ACROSS GENERATIONS**
Consider how your planning may support children, grandchildren, charitable goals, family businesses, and future generations.

At **Fourfold Wealth**, we believe legacy planning is not simply about transferring assets.

It’s about helping your financial resources reflect **what you value, who you care about, and what you hope to make possible for the future.**

✨ **Your wealth. Your values. Your legacy.**

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

08/21/2026

🛡️ **Building Wealth Is Important. Protecting It Matters Too.**

Financial planning isn’t only about accumulating more.

It’s also about considering what could interrupt the plan — and putting strategies in place to help protect the people, income, lifestyle, and legacy that matter to you.

A thoughtful protection strategy may include:

💼 **PROTECT YOUR INCOME**
Consider how an unexpected interruption in income could affect your family and long-term financial goals.

❤️ **PROTECT YOUR FAMILY**
Help create financial resources for the people who depend on you if life doesn’t go according to plan.

🏡 **PROTECT YOUR LIFESTYLE**
Consider risks that could place pressure on the savings and assets you’ve worked hard to build.

🌳 **PROTECT YOUR LEGACY**
Coordinate protection strategies with your estate, family, and long-term legacy goals.

At **Fourfold Wealth**, we believe protection planning should not exist in isolation.

It should work alongside your investments, retirement strategy, tax planning, and broader financial goals — so the pieces of your financial life support one another.

Because building wealth is only part of the journey.

**Protecting what matters helps keep the journey moving forward.**

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

08/21/2026

🧾 **Tax Planning Is More Than Tax Filing**

Preparing a tax return looks backward at what already happened.

**Tax planning looks forward.** 🧭

Throughout the year, financial decisions involving income, investments, retirement, business, and major life changes may also have tax implications.

A thoughtful approach can include:

📅 **PLAN AHEAD**
Consider potential tax implications before making important financial decisions.

💼 **COORDINATE INCOME**
Think about how different sources of income and retirement distributions may work together.

📈 **INVEST TAX-CONSCIOUSLY**
Consider taxes alongside investment decisions rather than treating them as completely separate issues.

🤝 **COORDINATE WITH YOUR PROFESSIONALS**
Financial planning and tax advice can be more effective when your financial advisor and tax professional understand the bigger picture.

At **Fourfold Wealth**, we believe tax planning should be considered as part of your broader financial strategy — alongside retirement, investments, protection, and the goals that matter most to you.

The goal isn’t simply to think about taxes in April.

It’s to make more informed financial decisions throughout the year.

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

08/21/2026

💬 **Your Financial Plan Starts With a Conversation**

You don’t need to have everything figured out before speaking with a financial professional.

Sometimes the first step is simply taking time to talk about:

🎯 **Where you are today**
Your finances, priorities, concerns, and opportunities.

🌱 **Where you want to go**
Your goals for family, retirement, lifestyle, business, and legacy.

🧭 **What your path could look like**
A thoughtful strategy that brings the important areas of your financial life together.

🤝 **How we can help along the way**
Ongoing guidance, coordination, and adjustments as your life evolves.

At **Fourfold Wealth**, we believe good planning begins by listening — understanding what matters to you before discussing strategies or solutions.

Whether you're preparing for retirement, building wealth, thinking about taxes, protecting your family, or simply wondering whether your financial pieces are working together, a conversation can be a good place to begin.

✨ **Your goals. Your life. Your future.**
Let’s build a plan with purpose.

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

08/21/2026

🧭 **Why Independent & Fiduciary Guidance Matters**

Financial advice shouldn’t begin with a product. It should begin with **you** — your goals, your priorities, your concerns, and the future you want to build.

At Fourfold Wealth, we believe thoughtful financial guidance should include:

🔓 **BROADER ACCESS**
The flexibility to consider a broader range of strategies and solutions aligned with your needs.

🤝 **CLIENT-FIRST APPROACH**
Recommendations centered around your goals and long-term financial well-being.

🧩 **COORDINATED PERSPECTIVE**
Looking beyond one investment or one decision to consider how wealth, retirement, tax, and protection strategies can work together.

🔄 **ONGOING RELATIONSHIP**
Financial planning isn’t a one-time event. Your strategy should evolve as your life, priorities, and circumstances change.

The goal isn’t simply to recommend products.

It’s to help you understand your choices, coordinate the important parts of your financial life, and make informed decisions with greater confidence.

🌱 **Fourfold Wealth — Planning with Purpose.**

🌐 **fourfoldwealth.com**

Fourfold Wealth

09/09/2026

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